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How to Handle Muses?

I don't see any other discussion about this, so it may be dead simple and I'm just missing it: how do you handle muses?

My question is kind of two-fold.
1. Where in the Singularity program do you configure a character's muse? I see it in the gear list, but you can't customize it there (again, unless I'm totally missing something simple).
2. The default 5k characters get, is that in addition to the default muse, or does that 5k represent the price of the muse? So in effect, does the character get the cash and no muse or a muse and no cash?